SIC Insurance Comany Limited (SIC.gh) listed on the Ghana Stock Exchange under the Insurance sector has released it’s 2017 annual report.For more information about SIC Insurance Comany Limited (SIC.gh) reports, abridged reports, interim earnings results and earnings presentations, visit the SIC Insurance Comany Limited (SIC.gh) company page on AfricanFinancials.Document: SIC Insurance Comany Limited (SIC.gh) 2017 annual report.Company ProfileSIC Insurance Company Limited is a leading insurance company in Ghana providing non-life products in the motor, marine and aviation, fire and accident sectors. The motor division covers accidental loss of motorbikes and vehicles and third-party accident, fire and theft. The Marine and Aviation division covers airborne cargoes, ships and fishing vessels, ports and harbour installations and aviation insurance covering aircrafts, cargo and passengers. The Fire division covers accidental destruction of properties including household, personal, commercial and industrial buildings and effects. The Accident division’s coverage ranges from personal and family accidents to cash-in-transit, banker’s indemnity and contractor’s all-risk insurance. SIC Insurance Company also offers workmen’s compensation insurance, general bonds and engineering and construction insurance as well as offering investment, asset and fund management advisory services. SIC Insurance Company was founded in 1955 and its head office is in Accra, Ghana. SIC Insurance Company Limited is listed on the Ghana Stock Exchange
Image source: Getty Images. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. “This Stock Could Be Like Buying Amazon in 1997” Harvey Jones has no position in any of the shares mentioned. The Motley Fool UK has recommended Prudential. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Enter Your Email Address Harvey Jones | Friday, 31st January, 2020 | More on: PHNX PRU Simply click below to discover how you can take advantage of this. If you’ve turned 50 and haven’t got much pension savings then don’t panic, it’s not the end of the world. You must take action now, though. These two FTSE 100 dividend stocks could help you make up for lost time to build a decent pension nest egg by the time you retire.PrudentialInsurance giant Prudential (LSE: PRU) is one of my most successful stock trades, doubling my money in just a few years. I took my profits four or five years ago, and got my timing right, because its stock has idled since then.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…This leaves the Prudential share price trading at a bargain valuation of just 8.8 times earnings, less than half the average valuation across the FTSE 100, which is currently 18 times earnings.Now is a tempting entry point but why has the Prudential dipped like that? A key (and innocent) reason is that it recently peeled off its fund management arm, M&G, into a new business, a split that led to an instant 10% drop in the Pru’s share price.Slimmed down Prudential has massive growth potential, as it looks to build on its strong position in emerging markets and Asia, where the fast-growing middle class population does not have state benefits to fall back on, and needs to buy its own pension and protection products. This gives the £36bn group a huge market to go for, and it recently struck a new deal to sell life insurance to customers of Vietnam’s Southeast Asia Commercial Joint Stock Bank.Prudential currently yields income of 3.6% a year but dividends should continue to increase steadily, with earnings expected to rise 7% this year, then another 7% in 2021. Asia looks set to grow at a faster pace than the West. The Pru could be a good way to play that opportunity.Phoenix Group HoldingsPhoenix Group Holdings (LSE: PHNX) is one of the unsung dividend champions of the FTSE 100. The £5.55bn group is a closed life assurance fund consolidator, which means it buys up life and pension funds that other insurers have closed to new business, and continues to run them for policyholders.This means it does not have to spend any money marketing its services to new customers, but can focus its efforts on quietly managing existing funds, while using its size to cut costs and boost efficiencies.This is a steady, conservative business whose main attraction is the regular stream of dividend income you should receive, which you can reinvest back into the stock to build your pension wealth, then take as income after you retire. Phoenix offers an attractive current yield of 6.2%, comfortably above the FTSE 100 average of 4.3%. Investors have enjoyed share price growth as well, with the stock up 20% over the last year. Despite this, the Phoenix share price isn’t expensive, trading at 11.4 times earnings.Combined or individually, stocks like these two could set you on the way to building the pension you need in retirement. Our 6 ‘Best Buys Now’ Shares No savings at 50? I’d buy these FTSE 100 dividend stocks to retire on a passive income See all posts by Harvey Jones
Make a comment Lora Unger, Chief Executive Officer of the Pasadena Symphony and POPS, has been selected by the New York-based International Association of Top Professionals as Top CEO of the Year.Unger was selected for her outstanding leadership and commitment to the profession, the organization announced on Monday.Unger has been leading the Pasadena Symphony and POPs for almost a decade. Overall, she’s been in the music industry for over two decades and has proven herself as an accomplished professional and expert in the field.As a dynamic, results-driven leader, Unger has demonstrated success not only as the Chief Executive Officer for the Symphony since 2014. She was initially hired as its Chief Operating Officer to help lead the orchestra from crisis to fiscal sustainability.“With Unger on their side, she played a critical role in transforming the orchestra’s artistic leadership, reinventing their brand, and then moved the orchestra into two world-class performance venues,” the Association said. “She more than tripled their audience base and cemented the orchestra’s place in the region as the pre-eminent voice for live symphonic music.”Ungar said her drive for achievement is like “taking a dashboard approach to defining success.”“Success for an orchestra is measured beyond the financial bottom line. It’s measured by how we steward the customers’ experience and their access to our concerts,” Unger said in the press release. “It is measured by how we grow artistically and deliver the moments of shared bliss that only come from a live concert experience. You have to strike the sweet spot of balancing entertainment and high art, while also honoring your responsibility to provide music education for our children and access to all our concerts for their families and the greater community that we serve.”The Pasadena Symphony and POPS is best known for its popular concerts at Pasadena’s Ambassador Auditorium and the Los Angeles Arboretum, but Unger has expanded the orchestra’s after-school education programs from grades 6-12 to elementary schools grades 3-4, teaching children how to play string instruments. Unger states that 50 percent of the orchestra’s annual budget relies on donations, which means that she has to inspire customers beyond just the value of the cost of a ticket to a concert.“It’s an emotional transaction that reflects the intrinsic value of how deeply our concert experiences transform people, and I am just deeply honored to be part of it,” she said. “This orchestra does it all and does it at a very high level-performing baroque, choral and the grandest of symphonies, to the popular music of The Great American Songbook and beyond.”It was also Unger who persuaded Michael Feinstein to take over as the orchestra’s conductor after the passing of Marvin Hamlisch in 2012.Originally from Louisville, Ky., Unger knew at a very young age she wanted to have a career in the fine arts while also using her savvy business mindset. She received her Bachelor’s Degree from the University of Louisville and attended the Cincinnati College-Conservatory of Music for her graduate degree.Unger has received numerous awards throughout her career and has been recognized for her outstanding leadership and commitment to the music industry. She has been featured as a Woman Achiever in Business Life Magazine, and in May last year she also was featured in The Pulse Magazine.For 2019, the IAOTP is considering her for a feature in TIP (Top Industry Professional) Magazine and for the Empowered Woman of the Year Award.“Choosing Lora for this award was an easy decision for our panel to make,” said Stephanie Cirami, IAOTP President. “She is talented, humble, gracious, and brilliant at what she does. We felt she would make an amazing asset to our organization and we are looking forward to meeting her at the gala.”The IAOTP is an international boutique networking organization that handpicks the top professionals from different industries. These professionals are given an opportunity to collaborate, share their ideas, be keynote speakers and help influence others in their fields.Top CEO honorees are distinguished members of the association based on their professional accomplishments, academic achievements, leadership abilities, longevity in the field, other affiliations and contributions to their communities. The honor is given at the IAOTP’s annual award gala at the end of the year.In the IAOTP release, Unger said she loves doing what she is doing and feels this is just the beginning. Her motto is “Choose a job you love and you will never have to work a day in your life.” Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. 2 recommendedShareShareTweetSharePin it Top of the News More Cool Stuff Your email address will not be published. Required fields are marked * Community News EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Name (required) Mail (required) (not be published) Website Business News Community News Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday First Heatwave Expected Next Week People Pasadena Symphony’s Lora Unger Named Year’s Top CEO by International Professional Association From STAFF REPORTS Published on Wednesday, June 13, 2018 | 6:31 pm HerbeautyAncient Beauty Remedies From India To Swear By For Healthy SkinHerbeautyHerbeautyHerbeauty8 Easy Exotic Meals Anyone Can MakeHerbeautyHerbeautyHerbeauty6 Strong Female TV Characters Who Deserve To Have A SpinoffHerbeautyHerbeautyHerbeautyHow To Lose Weight & Burn Fat While You SleepHerbeautyHerbeautyHerbeautyGet Rid Of Unwanted Body Fat By Eating The Right FoodsHerbeautyHerbeautyHerbeauty9 Gorgeous Looks That Have Been Classic Go-tos For DecadesHerbeautyHerbeauty faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyCitizen Service CenterPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Subscribe Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena
Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy On August 14th, 2018, at the LA County Supervisor’s Meeting held at the Kenneth Hahn Hall of Administration, HEAR Center was recognized by LA County Supervisor Kathryn Barger for its work in the Los Angeles County.In her remarks, Supervisor Barger noted that HEAR Center is the only nonprofit hearing and speech clinic located in LA County and that HEAR Center screened over 6,000 individuals for last year. Most of those screened were children under the age of six, and all screenings were conducted for free.“We are so thrilled that HEAR Center was recognized for its service by Supervisor Barger. HEAR Center takes pride in being the only nonprofit hearing and speech clinic in LA County and hopes to continue its reach within the community“, says Executive Director Ellen Simon.HEAR Center is the only nonprofit of its kind in Los Angeles County, as it provides free hearing and speech screenings. They also provide free follow-up evaluations at HEAR Center’s office for those children who fail their screening and whose families cannot afford their required care. These services as well as HEAR Center’s sliding scale and no-cost rates are funded in part by local foundations and individual donations as well as revenue generated by hearing aid sales.For more information about HEAR Center and the services that it provides, visit www.hearcenter.org. You can also contact HEAR Center at (626) 796-2016 or through email at [email protected] EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS HerbeautyTop 9 Predicted Haircut Trends Of 2020HerbeautyHerbeautyHerbeautyStop Eating Read Meat (Before It’s Too Late)HerbeautyHerbeautyHerbeautyIs It Bad To Give Your Boyfriend An Ultimatum?HerbeautyHerbeautyHerbeautyFinding The Right Type Of Workout For You According AstrologyHerbeautyHerbeautyHerbeautyKeep Your Skin Flawless With These Indian Beauty RemediesHerbeautyHerbeautyHerbeautyHow To Lose Weight & Burn Fat While You SleepHerbeautyHerbeauty Community News HEAR Center Honored by LA County Supervisor Kathryn Barger From STAFF REPORTS Published on Wednesday, August 15, 2018 | 12:57 pm Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Top of the News More Cool Stuff First Heatwave Expected Next Week Subscribe Community News Your email address will not be published. Required fields are marked * Community News Business News Make a comment 8 recommendedShareShareTweetSharePin it faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Donald CommunityPCC- COMMUNITYVirtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPasadena Public WorksPasadena Water and PowerPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes Name (required) Mail (required) (not be published) Website Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena
iStock/Thinkstock(MALIBU, Calif.) — Thousands of firefighters are fighting deadly blazes tearing through the Golden State.Over a dozen states have sent crews to help with the Camp Fire in Northern California and the Woolsey Fire in Southern California.At least 42 people have died in the Camp Fire, now the the deadliest on record in the state. Authorities have requested search teams, portable morgue units, cadaver dogs and a DNA system to expedite the identification process.Here is a closer look at the fires by the numbers:Camp Fire— Started on Nov. 8 in Butte County in Northern California— 42 people have died, making the Camp Fire the deadliest in California’s history— 125,000 acres burned— 30 percent contained as of Tuesday morning— destroyed over 7,100 structures— threatening 15,500 structures— 52,000 people evacuated— over 1,500 calls requesting welfare checks— 3 firefighters injuredWoolsey Fire— Started on Nov. 8 in Los Angeles and Ventura Counties in Southern California— 2 people dead— burned over 96,000 acres— 35 percent contained as of Tuesday morning— destroyed 435 structures— threatening 57,000 structures— 149,000 people ordered to evacuate— 3,500 students at Pepperdine University in Malibu were ordered to shelter in placeCopyright © 2018, ABC Radio. All rights reserved.
iStock (DENVER) — A manhunt is underway in Colorado for at least one gunman who opened fire at a crowded house party in a Denver suburb, wounding five people, including three juveniles, police said.The shooting occurred just before 11 p.m. on Saturday at an apartment in Aurora, about 10 miles southeast of Denver, police said.“There was some sort of gathering, or party, going on there … when someone came to the door and opened fire,” Officer Matthew Longshore, a spokesman for the Aurora Police Department told ABC News on Sunday.Officers were called to the apartment complex at 10:55 p.m. and arrived within 90 seconds to find five people shot in one of the units, Longshore said.The victims, whose names were not immediately released, were all taken to a hospital in serious condition and are expected to survive, officials said.The juveniles shot were two girls and a boy all over the age of 16, Longshore said. Two adult men were among the victims, he said.The suspect was described as a black male wearing a yellow hooded sweatshirt, according to police.Longshore said there are “possibly other suspects” involved.Authorities are asking anyone with information on the shooting or the whereabouts of the suspect or suspects to contact investigators immediately.Copyright © 2020, ABC Audio. All rights reserved.
Skills and LearningOn 25 Jul 2000 in Personnel Today • Rather than resisting increasing mobility, HR can help by developing relationships and joint ventures within the mobile workforce. These include employees, contractors, interim managers, consultants and employment agencies.• A major challenge for HR managers will be to transfer the valuable skills and learning of new employees, so that they become part of the organisation’s culture and strategy.• Managing career management interventions may mean doing a few things well, rather than a wide range of initiatives, including creating exciting and innovative career tracks which keep knowledge workers motivated. Line managers need to be trained to play their part in the career partnership. This is about coaching and being prepared to engage with employees’ career concerns.• There needs to be a focus on helping people achieve their career aspirations. Line managers will need incentives and support, such as smaller areas of responsibility, to allow them to help people with their development as well as performance.• Senior managers in particular need to take an active lead in this area. They should identify the talented people, whatever age and wherever they are based in the organisation. HR practices should be changed to reward tenure, so that those with potential to reach the top can develop the relevant core skills, flexibility and breadth of experience.• Moving people around in the organisation should create both vertical and horizontal openings. Horizontal moves will keep staff learning and interested even if there are no openings at higher levels.• Looking ahead, organisations and careers must remain mutually supportive. This means viewing employees and contractors as partners in a joint venture, rather than as human resources to be managed.• For all concerned, the new career should be recognised as a do-it-yourself phenomenon. The smartest organisations are likely to be those which offer a real and meaningful opportunity for a long-term career partnership with talented individuals.
Home » News » Housing Market » Will lettings or property sales dominate the post-Coronavirus market? previous nextHousing MarketWill lettings or property sales dominate the post-Coronavirus market?Britain’s biggest property brain, Lucian Cook, looks at why home ownership has been flagging in recent years and whether this trend is set to continue after the crisis.Sheila Manchester30th April 202001,520 Views Levels of private renting and mortgaged owner-occupation are changing due to a combination of structural and short-term drivers. Lucian Cook, Director, Residential Research at Savills has been searching to find out exactly is behind the shift, and will the experience of Covid-19 make a difference?Reaching equilibrium?Lucian says that according to the English Housing Survey, the number of households in the private rented sector (PRS) more than doubled between 2000–01 and 2013–14 as the number of mortgaged owner-occupiers fell by 1.5 million.“This not only reflected increased barriers to home ownership, as deposit affordability became the overriding hurdle to get on the housing ladder. It also reflected a significant increase in the amount of private rented accommodation, provided by a seemingly ever-growing band of buy-to-let (BTL) investors.”Change in directionHowever, he says, “Over the past five or so years we have seen private renting plateau and owner-occupation bottom out according to both the English Housing Survey and, importantly, the more extensive Labour Force Survey. Indeed, there are signs that levels of private renting have been falling and that owner-occupation has been on the rise.“That reflects some structural changes in the housing market but also some shorter-term factors, which in the past few years have supported first-time buyer (FTB) numbers and restricted the supply of private rented accommodation from BTL investors.”Key TakeawaysMultiple sources indicate that growth in private renting has plateaued and that falls in mortgaged owner-occupation have bottomed out over the past five years.Mortgaged owner-occupation has been boosted by an increase in first-time buyers. Higher LTV mortgages, Help to Buy, and support from the bank of Mum and Dad have helped support this growth. But we’ve also seen a rise in older households holding mortgage debt for longer.Despite the increase in first-time buyer activity, private renting has continued to increase and mortgaged owner-occupation fall in the ‘lost generation’ of 35–44-year-olds.In the short term, we expect first-time buyer numbers to fall, along with the transactional activity in the rest of the market. Help to Buy has a limited life-span, and Covid-19 may prevent any increase in higher LTV lending and curtail activity from the bank of Mum and Dad.We expect Covid-19 to add to pressure on private landlords in an already undersupplied rental market. That leaves significant capacity for the expansion of Build to Rent, which currently accounts for less than 1% of privately rented homes. April 30, 2020Nigel LewisWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021 Hong Kong remains most expensive city to rent with London in 4th place30th April 2021
Purplebricks’ CEO Vic Darvey has revealed the full details of its Territory Owner reduction programme that leaked out earlier this year.In a presentation to investors following its annual results published early yesterday morning, Darvey says the number of Territory Owners has been cut from 120 to 42, a much more dramatic reduction than first reported in February.The numbers were revealed as Darvey outlined the company’s achievements over the past 12 months including its attempts to ‘get closer to its customers’ and paying its agents more than the company’s high street competitors.“We’ve divided the UK into new, expanded territories and put a new leadership structure and plan of control in place,” said Darvey.“As a result of this our remaining Territory Owners have much greater accountability for much bigger regions, significantly increasing their income opportunities and ensuring that our best leaders can earn consistently more than their high street counterparts.Agent remunerationDarvey also said Purplebricks has redesigned its agent remuneration structure to ensure the ‘right opportunities are available to everyone in the field’ including a 20% instruction fee payment increase following the company’s recent fixed-fee hike.He also revealed that the enlarged territories are to operate under a new ‘target model’ to tackle the ‘significant variations in performance’ across the business from region to region.“The best performing regions are already achieving 10% market share and there is a significant opportunity to grow our overall market share by investing in training, performance management and recruitment,” he said.Darvey also said that the company is in the process of recruiting 50 new agents to deal with the uplift in demand following the re-opening of the housing market. August 4, 2020Nigel LewisWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021 Hong Kong remains most expensive city to rent with London in 4th place30th April 2021 Home » News » Agencies & People » Revealed: Why Purplebricks dramatically culled its Territory Owners previous nextAgencies & PeopleRevealed: Why Purplebricks dramatically culled its Territory OwnersCEO Vic Darvey says the radical reorganisation plan that leaked out earlier this year, was to enable Territory Owners to significantly increase their earning potential.Nigel Lewis4th August 202001,758 Views